https://padlet.com/as02213/8kloit6c6uga Medical Ethics & Priorities en-us 2018-12-17 17:35:19 UTC 2019-01-22 17:47:45 UTC hello@padlet.com as02213 https://padlet.com/as02213/8kloit6c6uga/wish/315271530 Medical Student Priorities]]> 2018-12-17 17:47:59 UTC https://padlet.com/as02213/8kloit6c6uga/wish/315271530 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/315272927 With the competitive pressures of becoming a doctor and the increasing burnout, dept, and depression for students pursuing a career in medicine in the United states, should the medical education system be optimized to be less restricting while still ensuring that students will become competent future physicians? ]]> 2018-12-17 17:51:03 UTC https://padlet.com/as02213/8kloit6c6uga/wish/315272927 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/315277550 Economic]]> 2018-12-17 18:00:14 UTC https://padlet.com/as02213/8kloit6c6uga/wish/315277550 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/315278765 The student debt crisis has skyrocketed in the passed few decades. This is due to the amount of competition within colleges. How does this affect us now, and the possible future for medical students?]]> 2018-12-17 18:02:40 UTC https://padlet.com/as02213/8kloit6c6uga/wish/315278765 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316128261 In this paragraph, we will discuss how student loan trends started, how they impacted us before, and how they have boomed into one of the largest investments for students ever.]]> 2018-12-20 12:09:36 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316128261 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316316052 2018-12-20 23:43:12 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316316052 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316316188 Certainly by the 1990s, student loan debt began to skyrocket. In 1993, the average debt of a bachelor’s degree graduate was approximately $9,000; five years later, it was about $15,000. By 2003, it had jumped to approximately $17,500. [...]Well, it's - it may be necessary by some way of thinking. ]]> 2018-12-20 23:45:01 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316316188 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316318077 From 1999-2009, average tuition at public four-year colleges increased 73%, and in many states, tuition has continued to sharply rise. One reason for this is that state governments have spent, on average, 28% less on higher ed since the recession began in 2008.]]> 2018-12-21 00:09:44 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316318077 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316324067 In this paragraph, we will discuss how the trends have affected medical students now, and the problems they face due to the uprising of the sharp increase in loans and debt.]]> 2018-12-21 01:18:17 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316324067 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316325659 an alarming number of student loan companies have been fined for illegal practices that add further to the hardship that borrowers face. The combination of these factors is pushing the system into crisis. Another borrower defaults on his or her loans every 28 seconds, joining eight million others already in default; and the consequences are severe, including seized wages, which further drive the debt spiral.]]> 2018-12-21 01:38:46 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316325659 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316328272 Outstanding student loan debt now stands at $1.5 trillion, with 44 million Americans responsible for paying off student loans.]]> 2018-12-21 02:09:42 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316328272 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316411915 (EBSCO)
The maximum debt level would have to be somewhat smaller, not only because annual borrowing from private lenders would require that interest payments commence immediately after the loan is taken out but also because, once repayment begins, there is no subsidy for the interest charges, i.e., the market rate of interest is charged.]]> 2018-12-21 15:09:08 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316411915 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316412846 In this paragraph, we will discuss how the current trends might affect the future of student loans, and possible solutions for medical students.]]> 2018-12-21 15:11:27 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316412846 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316418630 Lending is growing outside the confines of the traditional, heavily regulated banking system, by entities like private equity firms, hedge funds and mortgage companies. The trend is especially pronounced in the market for home loans, where many mainstream banks still haven’t regained their hunger for risky lending.]]> 2018-12-21 15:36:32 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316418630 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316419681 Many students opt out of attending college because they cannot afford tuition costs and fees; others do not see a four year degree as a significant reason to overburden themselves with student loans. But the competitive global economy of the future will demand some level of post-secondary education, and study after study has documented the importance of a four-year degree to long-term wealth creation. Young people in the United States should not be hamstrung from the start of their working lives because they are trapped by unreasonable debt. The decision to pursue higher education should pay dividends for all members of U.S. society, not merely the banks or the government. 

]]> 2018-12-21 15:41:23 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316419681 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316421373 Technology and federal regulations seem to be doing more harm than good. Students apply for loans on the same form they apply for grants, which can downplay the high stakes of borrowing. There are also only minimal federal requirements that students receive in-person financial counseling. They can simply read the terms of the loan online, which is where they also sign the master promissory note. The process takes about 20 minutes, says Cynthia Grunden, associate vice chancellor of student financial services at City Colleges of Chicago. “They’re going to take out that loan without thoroughly understanding that decision,” Grunden says.

]]> 2018-12-21 15:47:48 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316421373 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316422386 Approximately three-quarters of federal student loans are guaranteed and one-quarter are direct. In the guaranteed loan program, a 40-year-old system, banks lend students money and profit from the interest payments while the government guarantees the loans against default and makes subsidy payments to the banks.]]> 2018-12-21 15:51:59 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316422386 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316424347 These three sources are important because they all show trends from when student debt became a problem and how they paved the way to our current situation. These sources show the heavily influenced debts first stared.]]> 2018-12-21 16:00:40 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316424347 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316424537 These sources explain the current student debt for students nationwide. They go into detail on the individual perspectives and ideas on the topic, and focus mainly on the now.]]> 2018-12-21 16:01:40 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316424537 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316424681 These sources explain how the current nationwide student loan crisis could eventually become very severe, and explain in small detail a possible solution that I will go into more detail about in my paper.]]> 2018-12-21 16:02:16 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316424681 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/316429434 2018-12-21 16:22:04 UTC https://padlet.com/as02213/8kloit6c6uga/wish/316429434 as02213 https://padlet.com/as02213/8kloit6c6uga/wish/320788570 If needed for extra word count (don't think necessary)]]> 2019-01-15 14:57:41 UTC https://padlet.com/as02213/8kloit6c6uga/wish/320788570